Home Insurance in Lakeside City, Texas
With a median home value of $268,300, Lakeside City is 42% higher than the Archer County median.
The typical home in Lakeside City was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, about 19 points below Archer County's 22%.
In Lakeside City, the housing stock is 99% single-family homes and 1% apartments in buildings with 5+ units.
In Lakeside City, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lakeside City has an owner-occupancy rate of 90% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Lakeside City, 91% of homes are primarily heated with electricity.
Archer County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Archer County had 40 active NFIP flood policies as of September 2026. See the full Archer County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $268,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Archer County | 40 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)